Montgomery County, Virginia: hazard risk
FEMA rates Montgomery County's overall risk Relatively Low (score 47.5 of 100, higher than 47% of rated U.S. counties). Its storm record holds 677 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Landslide | Relatively Moderate | 91.0 | $70K |
| Cold Wave | Relatively Moderate | 69.2 | $2.3M |
| Winter Weather | Relatively Moderate | 69.0 | $137K |
| Lightning | Relatively Moderate | 58.5 | $348K |
| Earthquake | Relatively Low | 73.4 | $1.1M |
| Riverine Flooding | Relatively Low | 63.6 | $11M |
| Drought | Relatively Low | 56.6 | $247K |
| Hail | Relatively Low | 42.9 | $220K |
| Strong Wind | Relatively Low | 39.9 | $457K |
| Avalanche | Very Low | 57.5 | $1K |
| Hurricane | Very Low | 57.1 | $165K |
| Wildfire | Very Low | 37.0 | $24K |
| Ice Storm | Very Low | 26.7 | $28K |
| Tornado | Very Low | 23.7 | $363K |
| Heat Wave | Very Low | 2.4 | $13 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 219 | 1 | $2.1M | 30th of 96 | 466th of 3,080 |
| Hail | 164 | 0 | $21K | 4th of 96 | 277th of 3,080 |
| Floods | 106 | 1 | $4.0M | 22nd of 96 | 291st of 3,080 |
| Winter storms | 82 | 0 | $1.2M | 57th of 96 | 648th of 3,077 |
| High wind and dust storms | 50 | 0 | $595K | 7th of 96 | 238th of 3,080 |
| Drought | 17 | 0 | $15M | 18th of 96 | 1068th of 3,063 |
| Heavy rain | 16 | 0 | $45K | 72nd of 96 | 595th of 3,080 |
| Lightning | 10 | 0 | $720K | 16th of 96 | 306th of 3,080 |
| Extreme cold | 7 | 0 | $6K | 35th of 96 | 1215th of 3,076 |
| Tornadoes | 5 | 0 | $6.6M | 68th of 96 | 2401st of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | – | 67th of 96 | 866th of 1,849 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Montgomery County record: every hazard by year and month, the deadliest events and FEMA's declarations.